19 months since my last CC application, I have near 500,000 membership rewards points that I unfortunately will not be using on any travel get away. So cash or rather investing is the next best thing, in my opinion that is. So I went for the Schwab platinum, even though I currently hold the vanilla platinum and I am a die hard, life long, Bell Atlantic, Verizon customer, so thats the reason I got the Synchrony card, with it promising to discount my current bill by $10 each month which is yet to be seen. We will see.
Amex makes me feel warm and fuzzy with the industry leading, soft pull. In stark contrast to Synchrony tapping my Transunion and to my surprise Experian credit files. A bit shocked but while researching and going through these forums, I saw where there were reports of trans union and Equifax being pulled in pursuit of the Verizon card. Nevertheless I just thought that was an oddity, an anomoly but it has proven not to be the case.
Both those bureaus my Fico 8 is 740 & 746. My over all utilization was 23%, had one discover card 32%. Starting limit was fair by Synchrony Standards $6,000. Cheers to my $7k going to my Schwab brokerage account in another few weeks.
Congratulations on your approvals!
Congratulations on your approval(s) @Big-tings-a-gwaan enjoy the cards!